Credit union · NCUA insured
PALCO Federal Credit Union
Top CarrotA $109.5M credit union headquartered in Muncy, PA, with 6,218 members and 2 branches in Pennsylvania. Best rates: CDs 4.11% and savings 2.58% APY.
PALCO Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#1 of 16 in Williamsport, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PALCO Federal Credit Union
Established in 1938, PALCO Federal Credit Union is headquartered in Muncy, Pennsylvania.
The credit union serves communities across Bradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga, and Union counties in Pennsylvania.
- Headquarters
- 191 Chad Rd, Muncy, PA 17756-8146
- NCUA charter
- 2959
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, worship, work, regularly conduct business, or attend school in the rural districts of Bradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga, or Union counties, Pennsylvania.
Cost to join
- It is free to sign up for membership.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
Williamsport area · 1
- Palco Federal Credit UnionMain office191 Chad Rd, Muncy, PA 17756Directions
Wellsboro area · 1
- PALCO Federal Credit Union114 East Ave, Wellsboro, PA 16901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $49 | $76 | — |
- CapitalNet worth ratio13.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$49Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of PALCO Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.